Health Insurance for NRIs in South Africa

Health Insurance for NRIs in South Africa provides financial coverage to NRIs or non-resident Indians staying in South Africa. It pays for the medical treatments availed by NRIs for planned and unforeseen medical expenditures during their stays or visit to India. Moreover, some NRI health plans also cover overseas medical expenses, including those incurred in South Africa.

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      Can NRIs in South Africa Buy Health Insurance Plans in India?

      Yes.

      All NRIs in South Africa can purchase health insurance from an insurance company in India. They can choose to buy the health policy online for themselves and their families while staying in South Africa or visiting India. However, they must submit proof of their Indian citizenship to the Indian insurance company by providing documents, like recent ITR and address proof.

      Why NRIs in South Africa Should Buy Health Insurance from India?

      Take a look at some of the reasons why NRIs in South Africa should buy health insurance from India:

      1. Lower Premiums

        Healthcare services in South Africa tend to be more efficient but costlier as compared to India. Consequently, insurance companies in South Africa charge a higher premium than those in India. Therefore, NRIs living in South Africa can save money by buying health insurance from an insurer in India.

      2. Multiple Plan Options

        India has a network of more than 20 insurance companies registered with IRDAI that offer different kinds of health insurance plans. Thus, NRIs residing in South Africa can choose the best policy from a broader range of health plans to fulfil their medical requirements. 

      3. GST Refund

        In India, all insurance companies charge an 18% GST as part of their health insurance premium. But NRIs in South Africa do not have to pay the GST if they already pay tax in the African country. In case they have, NRIs can claim a full GST refund from the insurance company in India, provided the policy was purchased from an NRE account and for a 1-year tenure. Moreover, they must submit the NRE bank statement for the last 6 months, a TRC and a declaration to avail the refund.

      4. Global Coverage

        Some medical insurance plans in India offer global coverage to NRIs for medical expenses incurred on hospitalization, maternity and day care treatments. So by buying health insurance from an insurer in India, South Africa-based NRIs can get medical coverage in India and abroad.

      Buy NRI Health Insurance in other Countries
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      How to Buy Health Insurance for NRIs in South Africa?

      Check out the steps that NRIs in South Africa can follow to buy health insurance from India:

      Step 1: Log in to Policybazaar.com and go to the ‘Health Insurance’ icon

      Step 2: Write your full name and select your gender

      Step 3: Choose whom to insure with yourself and provide everyone’s age

      Step 4: Enter your city of residence in India or its pin code

      Step 5: Select ‘+27’ as the country code for South Africa and enter your mobile number

      Step 6: Pick a suitable option providing details of your and your family member’s medical history

      Step 7: Choose the medical insurance plan that you want to purchase and pay the final premium

      Step 8: The insurer will issue the health policy to the NRI residing in South Africa.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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